In January, 2009, TIME magazine reported that the FICO credit score company "hasn't gone back to recalculate the average recently." Today, the company sells credit scores and compares them to averages of FICO scores based, individually, on Equifax and TransUnion consumer files.

"He beat the scoring proponents to the punch by scooping up the web address http://www.creditscoring.com, from which he launches often strident, sometimes wacky, but usually well-documented attacks on the credit-scoring concept and the industries that support it."